SBNC (Southern Bancshares NC) Scaled Net Operating Assets: (As of Dec. 2025)

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SBNC Southern Bancshares NC Inc SBNC
17 GF Score
Price $13,000.00
GF Value $6,691.44
Valuation Significantly Overvalued
! 6 Warning Signs
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What is Southern Bancshares NC Scaled Net Operating Assets?

Scaled Net Operating Assets (SNOA) is calculated as the difference between operating assets and operating liabilities, scaled by lagged total assets.

Southern Bancshares NC's operating assets for the quarter that ended in Dec. 2025 was $ Mil. Southern Bancshares NC's operating liabilities for the quarter that ended in Dec. 2025 was $ Mil. Southern Bancshares NC's Total Assets for the quarter that ended in . 20 was $ Mil. Therefore, Southern Bancshares NC's scaled net operating assets (SNOA) for the quarter that ended in Dec. 2025 was .

SBNC
17GF Score
Southern Bancshares NC Inc SBNC
Scaled Net Operating Assets is just one metric. See GF Score™, valuation, warning signs, and more.
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Southern Bancshares NC Scaled Net Operating Assets Calculation

Scaled Net Operating Assets (SNOA) is calculated as the difference between operating assets and operating liabilities, scaled by lagged total assets.

Southern Bancshares NC's Scaled Net Operating Assets (SNOA) for the fiscal year that ended in Dec. 2025 is calculated as

Scaled Net Operating Assets (SNOA)(A: Dec. 2025 )
=(Operating Assets (A: Dec. 2025 )-Operating Liabilities (A: Dec. 2025 ))/Total Assets (A: Dec. 2024 )
=(5498.919-4666.121)/5345.16
=0.16

where

Operating Assets(A: Dec. 2025 )
=Total Assets - Balance Sheet Cash And Cash Equivalents
=5524.986 - 26.067
=5498.919

Operating Liabilities(A: Dec. 2025 )
=Total Liabilities - Long-Term Debt & Capital Lease Obligation - Short-Term Debt & Capital Lease Obligation
=4799.974 - 69.603 - 64.25
=4666.121

Southern Bancshares NC's Scaled Net Operating Assets (SNOA) for the quarter that ended in Dec. 2025 is calculated as

Scaled Net Operating Assets (SNOA)(Q: Dec. 2025 )
=(Operating Assets (Q: Dec. 2025 )-Operating Liabilities (Q: Dec. 2025 ))/Total Assets (Q: . 20 )
=(-)/
=

where

Operating Assets(Q: Dec. 2025 )
=Total Assets - Balance Sheet Cash And Cash Equivalents
= -
=

Operating Liabilities(Q: Dec. 2025 )
=Total Liabilities - Long-Term Debt & Capital Lease Obligation - Short-Term Debt & Capital Lease Obligation
= - -
=

* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD.
* For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.

Is Southern Bancshares NC (SBNC) Overvalued in 2026?

Based on GuruFocus' analysis, Southern Bancshares NC stock appears to be overvalued. The current stock price of $13,000.00 is trading 94.3% above its estimated GF Value™ of $6,691.44. GuruFocus considers Southern Bancshares NC to be Significantly Overvalued.

Key valuation signals for SBNC:

  • Scaled Net Operating Assets:
  • GF Value™: $6,691.44 vs. price of $13,000.00 (94.3% above fair value)
  • GF Score™: 17/100 with 6 warning signs

No single metric tells the full story. See the SBNC stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.

Southern Bancshares NC Business Description

Other Exchanges SBNCM.PFD:USA
Address 116 E. Main Street, PO Box 729, Mount Olive, NC, USA, 28365
Southern Bancshares NC Inc is a bank holding company that provides financial and banking services. The services include personal banking, business banking, and mortgage banking services including checking, savings, loans, and mortgage services. It operates 45 banking offices in eastern North Carolina and 10 banking offices in Virginia.
17GF Score

Get the complete analysis for SBNC

Scaled Net Operating Assets is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

$13,000.00
Price
$6,691.44
GF Value